getting started account information payments file download payment files local admin ibusiness Banking User Guide

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1 getting started account information payments file download payment files local admin ibusiness Banking User Guide

2 02 User Guide Version 15 November 2014 The information in this User Guide is believed to be accurate, but the Bank makes no warranty, representation or guarantee of any kind in relation to the material in this User Guide, including, but not limited to, any implied warranties of merchantability and fitness for a particular purpose or for any errors or omissions. COPYRIGHT NOTICE No part of this User Guide or the Website may be reproduced, stored in a retrieval system or transmitted, in any form or by any means, photocopying, recording or otherwise, without prior written consent of AIB. No liability for any possible infringement of third party intellectual property right is assumed with respect to the use of this User Guide. The content of this User Guide, the Website and the features described therein are subject to change by the Bank. Copyright 2009 Allied Irish Banks, p.l.c. All rights reserved. All products or services, mentioned in this User Guide or the Website, are covered by the trademarks, service marks or product names as designated by the companies who market those products. There is no intention to transfer any intellectual property rights under this User Guide, the Website or in the Agreement. You must not delete any proprietary notices, trademarks, product names or service marks appearing on any materials furnished to you in connection with ibusiness Banking, the Agreement and the Services, and you must comply with any instructions issued by the Bank in connection with the protection of these materials. The information content graphics, text and images, buttons, trademarks, trade names and logos (the Material ) contained in the ibusiness Banking Website and the User Guide are protected by copyright and other intellectual property laws, international laws and international treaties and are not in any way transferred under the Agreement. You are granted a limited non-exclusive non-transferable licence solely for your own internal use to refer to, bookmark or point to any page within the ibusiness Banking Website, provided, however, that all copyright, trademark and other proprietary notices are left intact. about this guide... This User Guide details how to use ibusiness Banking. It provides reference information, including an overview of the features of ibusiness Banking, and should be read in conjunction with the Terms and Conditions of Use and your agreement with the Bank as a whole. This User Guide is intended for use by all Customers and Users of ibusiness Banking and should be also used in conjunction with the Online Help Facility. Where we refer to you in the User Guide, it can mean you, the Customer, or you, the User, depending on the context. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

3 03 steps to help... If you need any assistance using ibusiness Banking, we provide a number of different ways to help you. Where can I get assistance for using ibusiness Banking? STEP 1: User Guides STEP 2: Online Help STEP 3: Local Administrator STEP 4: ibusiness Banking Operations The User Guides explain each function of ibusiness Banking. Simply refer to the relevant guide and section. Online help provides you with step-by-step instructions, along with all other relevant information to help you use ibusiness Banking. Contact your Local Administrator, who may be able to help you and answer your query. Contact ibusiness Banking Operations. contact details AIB, ibusiness Banking, 1 Adelaide Road, Dublin 2. Telephone: International Customers: Fax: ibb.customer.support@aib.ie Hours of Support: 08:30 17:30 Business Days Note: To assist the Bank in addressing your query, you must provide such information and details as requested by the Bank in respect of the query. Please also note that all telephone communications between ibusiness Banking and customers may be recorded for security and training purposes. This will assist us in ensuring that our support gives you as much help as possible in addition to giving you added security. structure of user guide In order to help you find the information you need quickly, the User Guide is divided into two sections: about Provides information to help you understand the relevant function. how to Provides step-by-step instructions on how to carry out the various tasks on ibb.

4 contents 04 about Payments Page 06 Payment Basics Page 06 Cut-Off Times Page 10 Domestic Payment Options Page 11 Payment File Options Page 13 International Payment Options Page 14 Payment Currencies Page 15 What Payment Screen to use Page 16 Debiting an AIBGB or FTB Account Page 20 Charges associated with International Payments Page 21 Payment Screens Fields and Actions explained Page 22 Template Payments Page 28 Outgoing Payment Log Page 30 Incoming Payment Log Page 32 Payments Pending Authorisation Page 34 Beneficiary Management Screen Page 36 about how to Create a Domestic Account Transfer Page 39 Create a Bill Payment Page 40 Create a Domestic Urgent Interbank (Same Day Value) Payment Page 41 Create a Domestic Third Party (IBAN) Payment Page 42 Create a Domestic Account Transfer FX Page 43 Create a Third Party FX Payment Page 44 Create a Paylink Payment Standard and Urgent Page 45 Create a Paylink Euro Payment Standard and Urgent Page 46 Add Forward Contract Rates and Dealer Rates Details Page 47 Create an Open Domestic Payment Page 48 Create an Open International Payment Page 49 Templates Create, View and Delete Page 50 Templates Edit and Query Page 51 Payments Pending Authorisation Authorise Payments Page 52 Payments Pending Authorisation Edit, View and Cancel Page 53 Outgoing Payments Log Carry out a Query Page 54 Incoming Payments Log Page 55 Incoming and Outgoing Payment Log Export query results Page 56 Outgoing Payment Log Edit, View and Cancel Page 57 Incoming and Outgoing Payment Log View Transaction Details and View Status Details Page 58 Beneficiary Management Create a Domestic Beneficiary Page 59 Beneficiary Management Create an International Beneficiary with IBAN and BIC Page 60 Beneficiary Management Create an International Beneficiary with Account No. and NSC Page 61 Beneficiary Management Authorise, View, Edit and Delete a Beneficiary Page 62 Digipass Create a One Time Code (OTC) and a Transaction Data Signature (TDS) Page 63 Open an.out file Page 64 how to

5 05 what s in this section? In this section, you will find details and descriptions about the following topics: Payments Payment Basics Cut-off times Domestic Payment Options International Payment Options Payment Currencies What Payment Screen to use Debiting an AIB GB or FTB Account Charges associated with International Payments Payment Screens Fields and Actions explained Template Payments Incoming Payments Log Outgoing Payments Log Payments Pending Authorisation Beneficiary Management We recommend that you read this section as it provides you with useful information which will help you get the most from ibusiness Banking. about

6 PAYMENTS 06 ibusiness Banking offers a range of payment options which allow you to manage your payments easily and quickly. This section details all you need to know in order to get the most from the Payment functionality. Depending on the ibusiness Banking package which you have chosen, certain payment options may not be available. For more information on the different payment types available, including payment charges, cut-off times and execution timeframe, please select the Payment Information link on the side menu on ibusiness Banking or go to PAYMENT BASICS The following section covers the basics in relation to payments and will assist you in understanding payments on ibusiness Banking. DOMESTIC V INTERNATIONAL PAYMENTS What is the difference? As a general rule (with a few exceptions), the following applies: Domestic Payments: Payments at debit of your ROI accounts and crediting your own accounts, or crediting the accounts of Third Parties, within ROI. International Payments: Payments at debit of your ROI accounts and crediting a Third Party account outside of ROI in any currency, or crediting an account within ROI in any currency other than EUR. What accounts can be debited and what accounts can be credited? The following table identifies the accounts which can be debited and credited for payments on ibusiness Banking. The credit accounts are divided into accounts owned by you and accounts owned by Third Parties. Debit Accounts AIB ROI Branch Accounts These are your accounts held in an AIB ROI branch. AIB Currency Accounts (With NSC of ) These are currency accounts e.g. USD, JPY. AIB Sterling Current Accounts (With NSC of ). For certain customers, the following account types can be debited: AIB GB Branch Accounts* These are your accounts held in an AIB GB branch First Trust Branch Accounts* These are your accounts held in a First Trust branch. Note: Payments made from the above accounts cannot be forward dated or warehoused. * Please see section Debiting an AIBGB and FTB Account on page 20. Credit Accounts YOUR BANK ACCOUNTS AIB ROI Branch Accounts These are your accounts held in an AIB ROI branch. AIB Currency Accounts (With NSC of ) These are currency accounts e.g. USD, JPY. AIB Sterling Current Accounts (With NSC of ). THIRD PARTY BANK ACCOUNTS Third Party Branch accounts held in AIB ROI Accounts of Third Parties which are held in AIB ROI. Third Party Currency accounts with an NSC of Currency accounts of Third Parties. Third Party Sterling Current Accounts (With NSC of ) Sterling Current Accounts of Third Parties. Third Party Account held in other financial institutions within Ireland E.g. Bank of Ireland, Ulster Bank, etc. Third Party International Bank Accounts International Bank Accounts of Third Parties.

7 07 What payment options to use ibusiness Banking offers a number of payment screens. The screen that you will use for a particular payment will depend on a number of factors. These include: The account you are debiting. The account you are crediting. The currency of your payment. Whether the payment is urgent or not. What account details you are using for the Beneficiary e.g. Account Number and NSC or IBAN and BIC. Please see Domestic Payment Options and International Payment Options for more details. Beneficiary Account Information When you are crediting an account, we need the bank account details of the credit account. For account transfers, i.e. transfers between your own accounts registered on ibusiness Banking, we already have the information. For transfers to Third Party bank accounts, we need you to provide us with the Beneficiary Bank Account Details. This can come in different forms and this is discussed in more detail below. Beneficiary Account Information format The following table provides an explanation of the potential components of Beneficiary Information. Data Account Number NSC IBAN International Bank Account Number BIC Description The Account Number is the number used by the account holding bank to identify the account. In the UK, the format of the account number will be 8 digits long e.g In other countries, the format may differ from country to country. The NSC is the code assigned to identify the bank branch where the account is located. Used with the Account Number, this will identify where the account is held. In the UK, the format of the NSC will be a six digit code e.g The International Bank Account Number (IBAN) is a standardised European bank account number. By 1st February 2014, the IBAN will be the sole payment account identifier for electronic national and international credit transfers and direct debits in Euro within the EU The format of an IBAN may differ from country to country. An example of an Irish IBAN is IE64AIBK The BIC is a unique identification code for a specific financial institution. BIC codes consist of either 8 or 11 alphanumeric characters. BIC for AIB Bank ROI is AIBKIE2D. The combinations of Beneficiary Account information used will be dependent on the account type and can also be affected by the payment currency and destination of the beneficiary bank. The next section looks at the various combinations and when they are used.

8 08 DOMESTIC PAYMENTS Beneficiary Account Information Used The following table identifies the Domestic Third Party Payments options available, and the account information combination that can be used. Payment Information Used Domestic Third Party (IBAN) IBAN of the Beneficiary, and, BIC of the Beneficiary Bank. Domestic Urgent Interbank (Same Day Value) IBAN of the Beneficiary and BIC of the Beneficiary Bank (For euro payments) Bank Account Number of the Beneficiary and NSC of the Beneficiary Bank (For GBP payments) Domestic Third Party FX IBAN of the Beneficiary and BIC of the Beneficiary Bank or Bank Account Number of the Beneficiary and NSC of the Beneficiary Bank (For GBP payments) INTERNATIONAL PAYMENTS Beneficiary Account Information Used The following table identifies the International Third Party Payments and the account information combination that can be used, the combination may be determined by the destination of your payments. Payment Information Used Paylink Standard/Urgent IBAN of the Beneficiary, and, BIC of the Beneficiary Bank. or Bank Account Number of the Beneficiary, and, NSC of the Beneficiary Bank, and BIC of the Beneficiary Bank. or Bank Account Number of the Beneficiary, and, NSC of the Beneficiary Bank, and Full Beneficiary Bank Name and Address. Paylink Euro Standard/Urgent IBAN of the Beneficiary, and, BIC of the Beneficiary Bank.

9 09 Adding Beneficiary Account Information to a payment When you are creating a Third Party payment, you must specify the account details of the Third Party bank account. On ibusiness Banking, this can be done in two ways: Select from a pre-authorised list of Beneficiaries. This is known as a Closed payment. Enter in the details manually on the payment screen. This is known as an Open payment. This allows a User to make a payment to a new Beneficiary that has not been pre-authorised by your Company. CLOSED PAYMENTS Selecting from a pre-authorised list of Beneficiaries. ibusiness Banking allows you to set up a list of pre-authorised Beneficiary details. This is done through the Beneficiaries option and is available to Users with the relevant access. Once a Beneficiary s details have been created and fully authorised, they will be available for selection in the Beneficiary Details section of a Third Party payment. Using the Beneficiaries options, you can add two types of Beneficiaries i.e. Domestic Beneficiaries and International Beneficiaries. Depending on the Beneficiary type, and the account information used, this will affect the payment screen where the Beneficiary s details can be selected. Beneficiary Type Information Used Payment Screen Domestic Beneficiary IBAN of the Beneficiary, and, BIC of the Beneficiary Bank. Full Beneficiary Bank Name and Address. Domestic Beneficiary Bank Account Number of the Beneficiary, and, NSC of the Beneficiary Bank. Full Beneficiary Bank Name and Address. International Beneficiary IBAN of the Beneficiary, and, BIC of the Beneficiary Bank. or Bank Account Number of the Beneficiary, and, NSC of the Beneficiary Bank, and BIC of the Beneficiary Bank. or Bank Account Number of the Beneficiary, and, NSC of the Beneficiary Bank, and Full Beneficiary Bank Name and Address. International Beneficiary IBAN of the Beneficiary, and, BIC of the Beneficiary Bank. Full Beneficiary Bank Name and Address. Third Party (IBAN) Urgent Interbank (Same Day Value) EUR payments Third Party FX Urgent Interbank (Same Day Value) UK payments Third Party FX Paylink Standard and Urgent Paylink Euro Standard and Urgent* * REMEMBER: Even though all International Beneficiaries will be available for selection on the Paylink Euro screen, you must use combination of IBAN and BIC for this type of payment.

10 10 OPEN PAYMENTS Entering Beneficiary details on the payment screen. On Third Party Payments, you can select the Open Payment option. This allows the payment creator to key in the Beneficiary details on the payment screen instead of selecting from the pre-authorised list of Beneficiaries. The information required to setup a Beneficiary is also required when entering Beneficiary details on a payment screen. IMPORTANT NOTE: Access to the Open Payment option on payment screens is limited and is not granted to any User as default access. If you would like a User to have access to the Open Payment option, you should contact ibusiness Banking Operations. As this access allows a payment creator to add Beneficiary details directly to a third party payment, we recommend that this option be only granted when absolutely necessary. CUT-OFF TIMES In relation to payments, there are cut-off times which you should be familiar with. These cut-off times will affect payments in two main ways: When a payment can be made. The execution timeframe of a payment. The table below describes the main cut-off times. Cut-Off Time Payment Cut-off Times Details What it means There are a number of payment types on ibusiness Banking. Some of these payments can only be sent for processing between certain hours of the day e.g. a Paylink payment can only be sent for processing between 8.00 and Please see Domestic Payment Types and International Payment Types section for full details of payment cut-off times. What is the effect of this cut-off time? If you want to make a payment you must do so before that cut-off time on the Requested Debit Date to ensure that it will be sent for processing on that date. Payments authorised after the cut off times will not be sent for processing until the next business day. e.g. a Paylink payment must be authorised on ibb before for it to be sent for processing that day. If the payment is authorised at any time after 16:00 ibb will warehouse this payment and will send it for processing on the next business day. NOTE: When we say make a payment, we mean authorise on ibusiness Banking and send for processing. Currency Cut-off Times What it means A currency cut-off time is a point of time during the day, at which trading in a particular currency under that days date ends, and any trading in that currency after that point, will be under the next business day s date. This is to allow for recording of trade deals and settlement of accounts. What is the effect of this cut-off time? The effect of this cut off time will be on the execution timeframe of the payment. Additional Information For further information on cut-off times and payment execution times, please select the PAYMENT INFORMATION option on the side menu on ibusiness Banking. Note: Certain payments cannot be warehoused. If the payment debits an AIBGB or an FTB account or credits a SETTLEMENT account it is not possible to authorise these payments after the relevant cut-off times.

11 DOMESTIC PAYMENT OPTIONS 11 Payment Type Description Payment Cut-Off Times Payment Execution Timeframe Account Transfer Third Party IBAN Bill Payment Allows you to transfer funds between your AIB ROI Accounts. Between your AIB euro Currency Accounts (NSC of ) and your AIB ROI euro Accounts. Allows you to transfer funds: From your AIB ROI Accounts to Third Party AIB Bank ROI Accounts. From your AIB ROI Accounts to Third Party Accounts in other financial institutions, within Ireland. From your AIB Euro Currency Accounts (NSC of ) to Third Party AIB ROI euro Accounts. From your AIB Euro Currency Accounts (NSC of ) to Third Party AIB Euro Currency Accounts (NSC of ). Allows you to transfer funds for credit of bill payments to utility companies. You can specify a date up to 90 days in advance. From this date, please allow one business day for the payment to reach the biller. 19: :15 12: :00 (Midnight) For details relating to the payment execution timeframes, along with fees and exchange rates, please select Payment Information on the side menu on ibusiness Banking. NOTE: Transactions originated through ibusiness Banking attract automated transaction charges. You can obtain details of transaction charges from the related information section on the Domestic Payments information page or from your local branch. Please also refer to the Business Fees and Charges brochure.

12 DOMESTIC PAYMENT OPTIONS 12 Payment Type Description Payment Cut-Off Times Payment Execution Timeframe Urgent Interbank (Same Day Value) Account Transfer FX * Allows you to transfer funds as: ROI Inter-Bank Same Day Value Payments From your AIB ROI Accounts in Euro to Third Party Accounts in other financial institutions within Ireland. Outgoing UK Interbank Payments From your AIB Sterling Current Account (NSC of ) in Sterling only to Accounts in other Banks in the UK. You must use a valid UK NSC and Account number. NSC must be reachable within either the FPS or CHAPS clearing systems. Allows you to transfer funds between your AIB ROI Accounts and your AIB Currency Accounts (NSC of ) non-euro or your AIB Sterling Current Accounts (NSC of ) Funds transferred from your AIB ROI Account or AIB Currency Accounts (NSC ) or your AIB Sterling Current Accounts (NSC ) to an AIB Sterling Current Account (NSC ) must be in the currency of the credit account For details relating to the payment execution timeframes, along with fees and exchange rates, please select Payment Information on the side menu on ibusiness Banking. NOTE: Transactions originated through ibusiness Banking attract automated transaction charges. You can obtain details of transaction charges from the related information section on the Domestic Payments information page or from your local branch. Please also refer to the Business Fees and Charges brochure. Funds transferred from your AIB Sterling Current Account (NSC ) to your AIB ROI or AIB Currency Account (NSC ) must be in the currency of the credit account. Third Party FX Allows you to transfer funds: From your AIB ROI Account to Third Party AIB Currency Accounts (NSC of ) or Third Party AIB Sterling Current Accounts (NSC ) Note: Funds transferred from your AIB ROI Account to a Third Party Sterling Current Account (NSC ) must be in Sterling (GBP) From your AIB Currency Accounts (NSC ) non-euro or your AIB Sterling Current Accounts ( ) to a Third Party AIB ROI Account or Currency Accounts non-euro NSC ( ) or Third Party AIB Sterling Current Accounts NSC ( ) Note: Funds transferred from these accounts to a Third Party Sterling Current Account (NSC ) must be in Sterling (GBP) and funds transferred from your Sterling Current Account (NSC ) to a Third Party AIB ROI Account must be in the currency of the credit account. * Please see separate section on access to AIB GB and First Trust Bank Accounts.

13 PAYMENT FILE OPTIONS 13 Payment Type Description When can Payment Files be submitted? Cut-off time for transactions to be processed next Business Day. Payment Files Payment Files allow you to initiate bulk files containing SEPA Direct Debits (SDD), SEPA Credit Transfers (SCT) and Multi-Currency (MCY) payments. See Payment Files User Guide for information on Payment File submission. See Payment Files User Guide for information on cut-off times.

14 INTERNATIONAL PAYMENT OPTIONS 14 Payment Type Description Payment Cut-Off Times Payment Execution Timeframe Paylink Standard or Urgent Allows you to make standard and urgent International Payments in major currencies to most destinations worldwide Note: Payments debiting your Sterling Current Accounts (NSC of ) cannot be made using the Paylink option. Please use the Domestic Urgent Interbank Same Day Value payment option For details relating to the payment execution timeframes, along with fees and exchange rates, please select Payment Information on the side menu. Paylink Euro Standard Paylink Euro Urgent Allows you to make International Payments in EURO to SEPA Zone* destinations on a standard basis. Allows you to make International Payments in EURO to SEPA Zone* destinations on an Urgent basis Note: For full list of SEPA Zone destinations please see 00:00 (Midnight) NOTE: Transactions originated through ibusiness Banking attract automated transaction charges. You can obtain details of transaction charges from the related information section on the International Payments information page or from your local branch. Please also refer to the Schedule of International Transaction Charges brochure. PAYLINK STANDARD and URGENT Payment Execution Timeframe When a Paylink Standard is made, the minimum execution (value) cycle is two business days. However, for certain currencies, shorter minimum execution cycles are available. These payments can be made by selecting the Urgent option on the Paylink screen. For further information on execution (value) cycle of payments, including currency cut-off times, please select the Payment Information option on the side menu on ibusiness Banking.

15 PAYMENT CURRENCIES 15 Payments can be made on ibusiness Banking in a number of currencies. The table below lists the currencies available and the payment screens that they appear on. PAYMENT SCREENS: Account Transfer FX, Third Party FX and Paylink (using Standard option) Currency Description Currency Description Currency Description EUR Euro INR Indian Rupee SAR Saudi Arabian Riyal AED United Arab Emirates (UAE) Dirham JPY Japanese Yen SEK Swedish Kroner AUD Australian Dollar KWD Kuwaiti Dinar SGD Singapore Dollar CAD Canadian Dollar THB Thai Baht CHF Swiss Franc MXN Mexican Peso TRY Turkish Lira CZK Czech Koruna NOK Norwegian Kroner USD United States Dollar DKK Danish Krone NZD New Zealand Dollar ZAR South African Rand GBP Pound Sterling OMR Omani Rial HKD Hong Kong Dollar PHP Philippine Peso HUF Hungarian Forint PLN Polish Zloty ILS Israeli Shekel QAR Qatari Rial PAYMENT SCREENS: Paylink (using Urgent option) Currency Description Currency Description Currency Description CAD Canadian Dollar EUR Euro PLN Polish Zloty CHF Swiss Franc GBP Pound Sterling SEK Swedish Kroner CZK Czech Koruna HUF Hungarian Forint USD United States Dollar DKK Danish Krone NOK Norwegian Kroner PAYMENT SCREENS : Urgent Interbank (Same Day Value) ROI Interbank Currency Description EUR Euro PAYMENT SCREENS: Urgent Interbank (Same Day Value) Outgoing UK Interbank Currency Description GBP Pound Sterling

16 MAXIMUM PAYMENT AMOUNTS 16 There is a maximum payment amount in respect of payments you may seek to make from all (not each) of your accounts on a particular business day. If you are part of a Group, then the maximum amount is from all (not each) of the accounts held by the Group. This shall not take into account transfers between the accounts of any one member of the Group (but will include a transfer between accounts of two Group members). Any payment made on a non-business day will be taken into account as if made on the next business day for the purpose of determining whether your maximum amount has been exceeded. We may, at our absolute discretion, notify you with immediate effect of any increase or decrease in your maximum payments amount, whether you are part of a Group or not, and any specific term that might be applicable to such amount. WHAT PAYMENT SCREEN TO USE To assist you in selecting the correct payment screen for your transaction, simply follow the steps outlined below. STEP 1: Identify the account you want to debit. On ibusiness Banking, you can debit the following accounts: An AIB ROI Branch Account which is registered on ibusiness Banking. A Currency Account with an NSC of Sterling Current Account with an NSC of For users who have access to AIB GB or FTB Accounts, please see Debiting AIB GB and FTB Accounts section on Page 19. STEP 2: Decide on where you want to transfer the funds to. You have the following options: Your own accounts which are registered on ibusiness Banking AIB ROI Branch Account Currency Account with an NSC of Sterling Current Account with an NSC of Third Party Accounts A Branch Bank Account of a Third Party held in AIB Bank or another financial institution within Ireland. A Currency Account of a Third Party held in AIB. This will have an NSC of Sterling Current Account of a Third Party with an NSC of An International Bank Account of a Third Party held in Northern Ireland, Great Britain or internationally. STEP 3: Decide on the currency. With the debit and credit account details, simply use the tables below to identify the correct payment screen to use.

17 17 I am Debiting... I am Crediting... Currency Payment Screen to use My AIB Branch Account in ROI My AIB Branch Account in ROI EUR Domestic Account Transfer My Currency Account with an NSC of CCY of Credit Account Domestic Account Transfer FX My Sterling Current Account with an NSC of GBP Only Domestic Account Transfer FX A Branch Bank Account of a Third Party held in AIB Bank or another financial institution within Ireland A Branch Bank Account of a Third Party held in another financial institution within Ireland EUR ANY excl. EUR Option 1: Domestic Third Party IBAN Where payment is a Third Party Payment, using IBAN and BIC for the Beneficiary Information. Option 2: Domestic Urgent Inter Bank (Same Day Value) Where the payment is to an account and same day value is required using BIC & IBAN. Paylink Standard or Urgent A Currency Account of a Third Party held in AIB. This will have an NSC of ANY excl. EUR Domestic Third Party FX A Sterling Current Account of a Third Party held in AIB. This will have an NSC of GBP Only Domestic Third Party FX An AIB GB Bank Account Any excl. EUR Paylink Standard or Urgent Paylink Euro Standard or Urgent (EUR only) An FTB Bank Account ANY excl. EUR Paylink Standard or Urgent Paylink Euro Standard or Urgent (EUR only) An International Account ANY excl. EUR Paylink Standard or Urgent Paylink Euro Standard or Urgent (EUR only)

18 18 I am Debiting... I am Crediting... Currency Payment Screen to use A Sterling Current Account with a NSC of My AIB Branch Account in ROI EUR Domestic Account Transfer FX My Currency Accounts with an NSC of CCY of Credit Account Domestic Account Transfer FX My Sterling Current Accounts with an NSC of GBP Domestic Account Transfer FX A Branch Bank Account of a Third Party held in AIB Bank. EUR Domestic Third Party FX A Branch Bank Account of a Third Party held in another financial institution within Ireland. A Third Party Sterling Current Account held in AIB with an NSC of GBP Domestic Third Party FX A Third Party Currency Account held in AIB with an NSC of EUR CCY of Credit Account Domestic Account Transfer FX and Domestic Third Party IBAN you must first transfer the funds to your Branch Account using the Domestic Account Transfer FX screen. You can then use the Domestic Third Party IBAN screen to transfer the funds to the account of the Third Party. Domestic Third Party FX An AIB GB Bank Account GBP Domestic Urgent Interbank (Same Day Value) An FTB Bank Account GBP Domestic Urgent Interbank (Same Day Value) An account with another Bank in the UK with a valid UK NSC which is reachable within either the FPS or CHAPS clearing systems GBP Domestic Urgent Interbank (Same Day Value)

19 19 I am Debiting... I am Crediting... Currency Payment Screen to use A Currency Account with an NSC of (NOTE: When debiting a Euro Currency Account, see further options below.) My AIB Branch Account in ROI EUR Domestic Account Transfer FX My Currency Accounts with an NSC of CCY of Credit Account Domestic Account Transfer FX My Sterling Current Accounts with an NSC of GBP Domestic Account Transfer FX A Branch Bank Account of a Third Party held in AIB Bank. ANY Domestic Account Transfer FX and Domestic Third Party FX you must first transfer the funds to your Branch Account using the Domestic Account Transfer FX screen. You can then use the Domestic Third Party FX screen to transfer the funds to the account of the Third Party A Branch Bank Account of a Third Party held in another financial institution within Ireland. A Currency Account of a Third Party held in AIB with an NSC of ANY excl. EUR CCY of Credit Account Paylink Standard or Urgent Domestic Third Party FX A Sterling (GBP) Account of a Third Party held in AIB with an NSC of GBP Domestic Third Party FX An AIB GB Bank Account ANY Paylink Standard or Urgent An FTB Bank Account ANY Paylink Standard or Urgent An International Account ANY Paylink Standard or Urgent I am Debiting... I am Crediting... Currency Payment Screen to use A Euro Currency Account with an NSC of A Branch Bank Account of a Third Party held in AIB Bank using Beneficiary Account Information of IBAN and BIC. A Euro Currency Account with an IBAN (containing an NSC of ) and AIB s BIC (AIBKIE2D). EUR EUR Domestic Third Party IBAN Domestic Third Party IBAN My Euro Currency Accounts with an NSC of or My branch account in ROI. EUR Domestic Account Transfer A Branch Bank Account of a Third Party held in another financial Institution within Ireland. EUR Domestic Account Transfer and Domestic Third Party IBAN You must first transfer the funds to your Branch account using the Domestic Account Transfer screen. You can then use the Domestic Third Party IBAN screen to transfer the funds to the account of a Third Party

20 DEBITING AIB GB AND FTB ACCOUNTS 20 Certain clients will have the ability to debit AIB GB and FTB Bank Accounts. The following table identifies payment options available when debiting an AIB GB or FTB Bank Account. I am Debiting... I am Crediting... Currency Payment Screen to use When can I make this Payment? Payment Execution timeframe An AIB GB Account or a FTB Account My AIB GB Account GBP Domestic Account Transfer FX 06:30 to 02:55 NOTE: IF you have access to Allied Irish Bank (GB) or First Trust Bank My FTB Account GBP Domestic Account Transfer FX 06:30 to 02:55 accounts on ibusiness Banking, you can obtain details of the My Account GBP Domestic Account Transfer FX 06:30 to 02:55 account Terms and Conditions and Third Party AIB GB Account GBP Domestic Third Party FX transaction fees and charges from 06:30 to 02:55 your local branch. Alternatively, Third Party AIB FTB Account GBP Domestic Third Party FX you can visit 06:30 to 02:55 or Third Party Account GBP Domestic Third Party FX 06:30 to 02:55 Third Party UK Bank Account GBP Domestic Third Party FX 09:31 to 15:45 An AIB ROI Account Any Paylink (Standard/Urgent) 08:01 to 16:00 Other ROI Bank Account Any Paylink (Standard/Urgent) 08:01 to 16:00 International Bank Account Any Paylink (Standard/Urgent) 08:01 to 16:00

21 CHARGES ASSOCIATED WITH INTERNATIONAL PAYMENTS 21 The costs of making an international payment (Paylink and Paylink Euro) are incurred on both the sender (ordering party) and receiver (beneficiary) side of the transfer. The overall cost is based on AIB s charge and the charges of other banks involved in the transfer e.g. intermediary (agent) banks and the beneficiary / receiver s bank. The cost of an international payment may be charged either to the sender or is shared by both parties. The charging options available to AIB customers are detailed in the table below. Charging options on ibusiness Banking AIB Fees Paid By: Other Fees Paid By: Impact on you Comment Ordering Party Beneficiary This is referred to as the Shared charging option. This is where you opt to pay the AIB charge and the beneficiary pays the charges of all other banks. These intermediary and/or beneficiary bank charges may be deducted from the payment amount before it is credited to the beneficiary/receiver s account. Ordering Party Ordering Party This is referred to as the Sender charging option. You opt to pay the AIB charge and the charges of all other banks. This is the most frequently used charging option. It is also the legal default charging option for the Paylink Euro payment product. An Intermediary Bank may not deduct its charges or fees from the payment amount for any payment in an EEA currency executed within the EEA using this charging option. If you select this charging option, your account will be debited with the AIB charges initially and with all other bank(s) charges when notification is received from the bank(s) involved. This could be some weeks later. Please note that the charges of intermediary (agent) banks and/or the beneficiary bank may be higher than similar charges applied in Ireland with no maximum limit. NOTE: The most frequently used charging option is Shared charging option. This is where you pay the AIB charge and the beneficiary pays the charges of all other banks. Our recommendation is that, as far as practical, AIB customers should choose the Shared charging option. This is recommended because the Beneficiary of a payment is usually in a better position to influence charges applied on the receiving side. For more information on AIB s International payment products please refer to

22 PAYMENT SCREENS FIELDS AND ACTIONS EXPLAINED 22 In order to help you understand payments, the following sections provide explanations and descriptions of the various fields and contents of the payment screens. The payment screen is divided into three main sections. They are: From Account Details section Beneficiary Details section Payment Details section From Account Details section Account Transfer FX Paylink This part of the payment allows you to select the account which is going to be debited for the payment. There are three main inputs required here and these are detailed in the table below. Field Payment Screen Details Debit Account Selection All payment screens You select the debit account for the payment by selecting the account from the ACCOUNT dropdown. When you access a payment screen, the debit account will default to the previously selected account. To change it, select the required account from the ACCOUNT dropdown. The name and account details of the selected account will be displayed in the From Account Details section. Debit Narrative All payment screens This allows you to enter in a Narrative which will appear on your statement. You can enter up to 18 alpha/numeric characters. Standard and Urgent checkboxes. Paylink Paylink Euro When you are making a Paylink or a Paylink Euro payment, you must select one of these options. The selection will affect the payment execution time. For more details on payment execution times, select the PAYMENT INFORMATION option on the side menu on ibusiness Banking.

23 23 Beneficiary Details section This section allows you to select, or enter, details of the Beneficiary Bank Account. This can be one of your accounts registered on ibusiness Banking or a Third Party Bank Account. Depending on the payment type, the information required here will be different: Where the transfer is between your own accounts, you will select the account details of one of your other accounts. Where the transfer is to a Third Party Bank Account, you will select the beneficiary details from a dropdown. Bill Payment Paylink Account Transfer Field Payment Screen Details Name Get Details Open Payment All payment screens All Third Party Payments All Third Party Payments This dropdown will either contain a list of your own accounts, when the transfer is an internal account transfer, or a list of Beneficiaries where your payment is a Third party payment. The Beneficiary s details can be added in the BENEFICIARIES option. Account Transfer and Account Transfer FX: NAME dropdown will contain a list of your accounts registered on ibusiness Banking. Urgent Interbank (Same Day Value) and Third Party FX: NAME dropdown will contain a list of Domestic Beneficiaries which have been created using Account Number and NSC for GBP payments and will contain a list of Domestic Beneficiaries which have been created using BIC and IBAN for EUR payments. Third Party IBAN: NAME dropdown will contain a list of Domestic Beneficiaries which have been created using IBAN and BIC details. Bill Payment: NAME dropdown will contain a list of Utilities which have been set up by the Local Administrator. Paylink/Paylink Euro: NAME dropdown will contain a list of International Beneficiaries. The GET DETAILS option will display the details of the selected Beneficiary. If a Beneficiary is selected, and you do not select GET DETAILS, the system will automatically get the details, when an action is selected e.g. Authorise. IMPORTANT NOTE: If you select a Beneficiary and then GET DETAILS, the details of the select Beneficiary will be displayed on the screen. If you subsequently select a different Beneficiary, do not select GET DETAILS, and then select an action, ibusiness Banking will use the details of the newly selected Beneficiary for the payment, and not the details displayed on screen. The Open Payment option, where available, allows the User to key in Beneficiary Account details on the payment screen instead of selecting a pre-authorised Beneficiary from the NAME dropdown. This option is only available to Users where we have received a specific request from you to grant this access. For more details, see how to.create an Open Payment. IMPORTANT NOTE: As this option allows a Payment Creator to key in Beneficiary Details on the payments screen and make payments to third party accounts, we recommend that this option is only granted to the User when necessary.

24 24 Field Payment Screen Details Originator Ref Originator ID Beneficiary ID Additional Information All payment screens Third Party IBAN Paylink Euro Standard Third Party IBAN Paylink Euro Standard Account Transfer Third Party IBAN Paylink Paylink Euro The Originator Ref allows you to enter a narrative that will be sent with the payment instructions. This narrative may appear on any payment notification that the Beneficiary may receive and may appear on their Bank Statement. This is dependent on the receiving Bank s ability to handle such details. Where the payment is a transfer between your own accounts, the Originator Ref will appear on the statement of the credit account. The length of the Originator Ref will be dependent on the payment type: Domestic Payments: You can enter in 18 alphanumeric characters. International Payments (Paylink Euro Standard): You can enter in four lines of 35 alphanumeric characters. This optional field can be used by the originator to provide an identification reference that enables the beneficiary to identify the party that sent the payment. This identification reference is agreed between the originator and beneficiary. This reference will be passed unaltered to the beneficiary, who can use it to quickly identify that he has received funds from a particular customer. The Originator ID can be used by the Beneficiary to update his debtor s ledger. This optional field can be used by the originator to provide an identification code that identifies the beneficiary, normally within the originator s systems. This identification reference is agreed between the originator and the beneficiary. This reference will be passed unaltered to the beneficiary. The Beneficiary ID can be used by the originator to update his creditor s ledger. Additional information allows you to enter 4 lines of 35 characters that will travel with the payment. Payment Details section This section allows you to enter the amount of the payment, select currency (where applicable) and give fee instructions. Account Transfer FX Paylink Urgent Interbank

25 25 Field Payment Screen Details Amount Requested Debit Date Currency Dropdown Tick to make equivalent currency payment AIB Fees paid by: Other Fees paid by: Forward Contract Dealer Rate All payment screens All payments screens Account Transfer FX Third Party FX Paylink Standard and Urgent Account Transfer FX Third Party FX Paylink Standard and Urgent Paylink Standard and Urgent Account Transfer FX Third Party FX Paylink Standard and Urgent Account Transfer FX Third Party FX Paylink Standard and Urgent The Amount field allows you to enter the amount of the payment. This is the date on which we will begin to process your payment. If the date selected is a non-business day then we will start to process your payment on the next business day. This dropdown allows you to select the currency of the payment. For a list of currencies available in the dropdown, see table of Payment Currencies on Page 15. The default currency for all other payments is EUR. This option will be available where the currency of the debit account and the currency of the payment are different. If you select this checkbox, you will make the payment in the equivalent of the currency of the account you are debiting. For example, if the account you are debiting is in GBP, and you have entered 1,000 in the Amount field and selected USD from the currency dropdown, the following two scenarios are available: If you select the Tick to make equivalent currency payment checkbox, the payment amount will be 1,000 GBP, converted to USD at the current rate of exchange. If you don t select the Tick to make equivalent currency payment checkbox, the payment amount is 1,000 USD. Debited at the current rate of exchange. This allows you to specify the charging instructions for the International Payment. Valid options are: AIB Fees paid by: Ordering Party Other fees paid by: Beneficiary (Known as Shared charging option) AIB Fees paid by: Ordering Party Other fees paid by: Ordering Party (Known as Sender charging option) For Paylink Euro, the default setting for charges is Shared i.e. AIB fees paid by Ordering Party and other fees paid by Beneficiary. Please see section Charges associated with International Payments for more details. This option allows you to make drawdowns from Forward Contracts which you may have entered into. A Forward Contract is a contract entered into by you, the Customer, with AIB. It is a commitment to purchase a certain amount of a particular currency, at a particular rate, between two dates. The Customer may draw down on this contract between those dates and in variable amounts. When a Customer draws down a forward contract in ibusiness Banking, the contract number is required for validation purposes. (For further details on Forward Contracts, please contact your branch). This option allows you to enter a Dealer s Rate and Reference which may have been issued to you. A Dealer Rate is a rate of exchange that is issued to you at a particular time by a dealer. The rate of exchange given will be accompanied by a reference code, which validates the particular rate of exchange given. This reference code must be entered when completing a Dealer Rate transaction on ibusiness Banking. IMPORTANT NOTE: All payments in excess of 70,000.00, or an equivalent amount in a different currency, that require a currency conversion must have a Dealer s Rate and Reference, and/or a Forward Contract rate and reference, entered, before the payment will be processed. If your payment contains a Dealer Rate and the payment fails, the Dealer Rate is still valid. If you need to cancel the Dealer Rate, you should contact the AIB Staff that you obtained the Dealer Rate from immediately. Depending on the exchange rates at the time of cancellation, this may result in a gain or loss to you.

26 26 Payment Actions Once you have entered details of a payment, you select an action in order to proceed to the next step of payment creation or authorisation. The actions buttons available to a User will be dependent on the access level which has been granted to that User. NOTE: For Third Party Payments, the outcome of selecting an action will differ depending on whether the payment is a Closed Payment or an Open Payment: Closed Payment: User selects beneficiary details from the dropdown list of pre-authorised Beneficiaries. Open Payment: User enters in beneficiary details on the payment screen. Closed Third Party Payments And All Account Transfers Action Authorise Save for Authorisation Hold Save as Template Reset Outcome A Payment Confirmation page will be displayed with the payment contents. You should confirm the Payment Details on this screen. In order to confirm your payment, you must enter a One Time Code (OTC) from your Digipass. When you have entered the One Time Code, you select Confirm to confirm authorisation of the payment. The payment will be sent for processing. If the payment requires a second authorisation, then it will be sent to the Payments Pending Authorisation to await the second authorisation. If you select Cancel from the payment confirmation screen, this will cancel payment authorisation. However, a payment record will still be created and is sent to the Payments Pending Authorisation to await authorisation. The payment is created and is sent to the Payments Pending Authorisation to await authorisation. Payment is placed on hold so that it can be Saved for Authorisation or Authorised at a later stage. You must complete the payment screen before selecting Hold. Payments which have been held can be accessed in the Payments Log and can only be viewed by the user who created it, until the status is updated to one other than held. Payment details are saved as a Template payment and can be accessed by selecting PAYMENTS on the side menu on ibusiness Banking. Payment Amount, Payment Date, Forward Contract Details and Dealer Rates will not be saved as part of the payment. The screen is refreshed and any entered data will be erased.

27 27 Open Third Party Payments Action Outcome Authorise A Payment Confirmation page will be displayed with the payment contents. You should confirm the payment details on this screen. In order to confirm your payment, you must enter a Transaction Data Signature (TDS) from your Digipass. When you have entered the Transaction Data Signature, you select Confirm to confirm authorisation of the payment. The payment will be sent for processing. If the payment requires a second authorisation, then it will be sent to the Payments Pending Authorisation to await second authorisation. If you select Cancel from the payment confirmation screen, a payment record will NOT be created. Save for Authorisation A Payment Confirmation page will be displayed with the payment contents. You should confirm the payment details on this screen. In order to confirm your payment, you must enter a Transaction Data Signature (TDS) from your Digipass. When you have entered the Transaction Data Signature, you select Confirm to confirm creation of the payment. The payment will now be saved for authorisation and it will be sent to the Payments Pending Authorisation to await authorisation. If you select Cancel from the payment confirmation screen, a payment record will NOT be created. Hold A Payment Confirmation page will be displayed with the payment contents. You should confirm the payment details on this screen. In order to confirm your payment, you must enter a Transaction Data Signature (TDS) from your Digipass. When you have entered the Transaction Data Signature, you select Confirm to confirm creation of the payment. Payments which have been held can be accessed in the Payments Log and can only be viewed by the user who created it. If you select Cancel from the payment confirmation screen, a payment record will NOT be created. Save as Template This option is not available when Open Payment option is selected. Reset The screen is refreshed and any entered data will be erased.